Lender · complaint record
Sunshine Loans complaints
Filed under MoneySpot USA LLC DBA Sunshine Loans
Consumers have filed 78 complaints about Sunshine Loans since 2020, 42 of them in the last 12 months (+83% on the year before). It answered 100% on time and closed 7% with relief for the customer - more often than a typical lender. The most common problem is charged fees or interest you didn't expect. It is the 48th most complained-about of 272 personal & payday lenders this year.
Good response record. How it works
- Complaints on record
- 78
- Last 12 months
- 42
- Answered on time
- 100%
- Closed with relief
- 7%
- Last 30 days
- 1
- Rank
- #48 of 272
Since December 2020
+83% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Oct 30, 2026
Most complained-about personal & payday lenders
Sunshine Loans complaints by month
The busiest month was May 2026 (10 complaints). Complaints in the last 12 months are up 83% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Sunshine Loans answered last 12 months
- Closed with monetary relief24.8%
- Closed with non-monetary relief12.4%
- Closed with explanation3890.5%
- In progress12.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers26/407.3% closed with relief
- Complaint trend2/15+83% vs last year
What Sunshine Loans complaints are about
Top Sunshine Loans problems
Where Sunshine Loans complaints come from
Most complaints: Texas (52), California (12), Missouri (4), Wisconsin (2), Pennsylvania (1).
Sunshine Loans compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Bright CapitalPayday & personal loans | 15 | 46 | F |
| 2 | Reach FinancialPayday & personal loans | 53 | 43 | C |
| 3 | Post Lake LendingPayday & personal loans | 57 | 43 | C |
| 4 | Robinson Economic DevelopmentPayday & personal loans | 47 | 43 | D |
| 5 | FundoPayday & personal loans | 15 | 42 | F |
| 6 | Sunshine LoansPayday & personal loans | 73 | 42 | B |
| 7 | Select Management ResourcesPayday & personal loans | 82 | 38 | A |
| 8 | Universal Account ServicingPayday & personal loans | 6 | 38 | F |
Compare side by side: Sunshine Loans vs Bright Capital · Sunshine Loans vs Reach Financial · Sunshine Loans vs Post Lake Lending · Sunshine Loans vs Robinson Economic Development
What people say about Sunshine Loans
All experiencesNo experiences with Sunshine Loans yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Sunshine Loans complaints
Full logQuestions about Sunshine Loans
How many complaints does Sunshine Loans have?
Sunshine Loans has 78 complaints on record since December 2020, including 42 in the last 12 months and 1 in the last 30 days. That makes it number 739 of every company by complaints this year.
Does Sunshine Loans respond to complaints?
Yes. Sunshine Loans answered 100% of its complaints on time (within 15 days) and closed 7% with relief - money back or a fix; 4.9% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 73/100 (grade B).
What do people complain about most with Sunshine Loans?
The most common problems are charged fees or interest you didn't expect (13), attempts to collect debt not owed (6), can't contact lender or servicer (5).
Is Sunshine Loans legit?
Sunshine Loans is a real company with a public complaint record: consumers have complained about it 78 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Sunshine Loans legit? for the signals, red flags and how to protect yourself.
Are complaints about Sunshine Loans going up or down?
Up. There were 42 complaints in the last 12 months against 23 in the 12 before (+83%). See every month.
How do I file a complaint against Sunshine Loans?
Complain to Sunshine Loans in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Sunshine Loans complaints come from?
Most come from Texas (52), California (12), Missouri (4). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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